I would guess you can X him off as being a friend. I would guess even if you could borrow money, you could not pay that back as well. I would guess your Bipolar disorder has caused you many of these fascinations about making money, and perhaps your realities were a bit, if not completely off the board. I don't know if you have a psychiatrist, and are on working medications, and not self medicating which screws up your meds. If you have a psychiatrist, I would get back with him/her, and you might need a psychologist to talk all this over with. I believe you at least need to talk to someone with experience in financial matters. Most probably changes need to be made.